Do you need car insurance but don’t yet have a driver’s license? You may be able to get the coverage you need without having to obtain a license. Here’s what you need to know about car insurance without a license: Can you get car insurance without a license below
Can I Get Car Insurance Without a Driver’s License?
In most states, yes, you can purchase car insurance without having a driver’s license. In fact, companies that offer non-standard policies often make it easier for those without traditional licenses to obtain coverage. It is important to remember however that your eligibility usually depends on the specific service provider and the state in which you live.
Who Is Eligible for Car Insurance Without a Driver’s License?
Drivers who are 16 or older but don’t yet have a valid driver’s license are eligible for special restraints made available through various insurance providers. Non-standard car cover is typically offered through independent insurers who specialize in cases where no driver’s license is available.
The following types of drivers may also be eligible:
• Former drivers with licenses that expired more than three years ago
• Drivers convicted of driving while under the influence (DUI) or reckless driving
• Newly licensed drivers with limited experience
• Drivers with suspended or revoked licenses
What Types of Coverage Are Available Without a Driver’s License?
Car insurance policies for drivers who don’t have valid licenses are limited in scope and will typically provide only liability protection rather than comprehensive coverage. It is possible to purchase coverage from some specialized transportation companies, such as Uber and Lyft, but this requires signing up as an approved partner rather than just buying insurance from an insurer directly.
As is the case with any other liability policy, car insurance purchased without having a valid license limits your financial responsibility if you’re at fault in an accident or if someone gets injured due to your negligence on the road. While these policies can provide valuable protection when appropriate, uninsured motorist coverage should always be considered if necessary to maximize protection against potential risks when behind the wheel.
Understand Your State’s Laws
Each state has different laws regarding insurance coverage for those who do not have a valid driver’s license or permit. You should look up your state’s specific laws on this issue to understand what is required in order to obtain car insurance without a license.
Shop Around and Compare Your Options
It is important to shop around when looking for car insurance without a valid driver’s license in order to find the best deals available. Insurance companies will vary in what type of policies they offer and how much each policy costs so it is definitely worth spending some time comparing your options before choosing one. The more quotes you get the better idea of what policy works best for you and your budget.
Find an “Assigned Risk Pool” Insurance Company
An assigned risk pool is an organization set up by a state or group of states to help people who have been denied regular car insurance coverage because they are considered “high-risk” drivers. While it can be difficult to locate an assigned risk pool insurer, once you do find one make sure to ask them about their specific coverage requirements and how much each policy costs so that you can make an informed decision about whether or not it’s right for you.
Be Prepared To Provide Supplement Evidence
In many instances, getting car insurance without having a valid driver’s license means consumers will need to provide additional information such as proof of identity (such as a birth certificate or passport), proof of residency, and sometimes even credit history. This information will be used by the insurer to verify the consumer’s identity, confirm the consumer’s address, and gauge their financial responsibility level (in order to minimize losses).
Consider Using Non-Owners Car Insurance Option
Non-owners car insurance provides liability coverage only while operating vehicles not owned by the insured party (i.e., cars borrowed or rented out). It does not provide physical damage coverage (for a property) nor medical payments coverage (to pay medical expenses resulting from an accident). Non owners auto policies are very attractive options for people who often rent cars or whose personal vehicle situations change often—without requiring a strict driving record in order for approval like standard auto policies usually demand.
Talk With A Professional Agent When Needed
There is no substitute for speaking with someone directly with expertise on this matter. If after researching your options thoroughly still cannot figure out what kind of policy would best suit your needs consider reaching out and seeking professional advice from an agent who specializes in providing automobile coverage without requiring proof of valid driver’s license authority from their clients.